Buy To Let (BTL) Property Investments & Opportunities

Buy-to-let property investment is a way to utilise property to generate revenue and maintain an asset for the future. Recently, the real estate environment has been one of consistent increases in house prices, low mortgage rates, and rising demand for rental property. This has created ample opportunities for a favourable return when investing in buy-to-let property.

Buy-to-let property investment with Arbuthnot Latham

At Arbuthnot Latham, we offer commercial buy-to-let mortgages to support your property investment requirements. To maximise your buy-to-let investment opportunities, we provide a relationship-led service with experienced, dedicated real estate professionals for all buy-to-let clients.

Whether you plan to invest as an individual or as a business, we can offer the following buy-to-let investment opportunities:

Residential investment portfolios/buy-to-let in own name or SPVs
Licensed, good quality Houses in Multiple Occupation (HMOs) are acceptable
Loans typically up to 65% Loan to Value/Interest Coverage Ratio min 1.15x (stressed 1x at exit)
Typically, 5-year committed term
Interest-only and repayment mortgages available (subject to loan to value)
Competitive pricing
Ability for lump sum repayments
Variable rates and fixed rates

By working with our expert team, you can ensure that your buy-to-let return on investment works with your future financial planning.

To find out more please contact us via email at ALREFenquiries@arbuthnot.co.uk with brief details of your proposal including your contact details.

Buy-to-let investment opportunities

There are several different ways to invest in buy-to-let property. You may look to purchase a traditional home to rent out to a single tenant. This can be a sensible first start to your property investment portfolio as it allows you to become familiar with the process of purchasing a commercial property and becoming a landlord.

More experienced commercial property owners may look to invest in a House of Multiple Occupation, where a larger property is split into separate tenancies. This can offer a higher return on investment as multiple rental incomes are generated but comes with increased costs and considerations.

The buy-to-let mortgage process

Before you begin the process of finding a buy-to-let property, you should ensure that your finances are in order and that you understand the costs of the buy-to-let purchase process. It’s also essential to understand the short-term and long-term costs of owning a buy-to-let property as well as your legal obligations as a landlord.

With a buy-to-let mortgage, there is usually a larger deposit and lower LTV required than a residential mortgage. At Arbuthnot Latham, we typically offer buy-to-let mortgages up to 65% LTV.

We can discuss your buy-to-let finance, investment portfolio and financial goals with you so that you can be sure that you're in a strong position to start your buy-to-let property investment. Typically, we offer lending solutions to introducers and clients to create tailored loan facilities from £1m to £20m. You can then look for an investment property that works with your financial plans and projections.

What to consider when you invest in buy-to-let property

Becoming a buy-to-let landlord can be a profitable use of your capital if you have the right knowledge and experience. Read through our guide to common mistakes buy-to-let landlords make.

It's essential to consider the way you set up your buy-to-let investment portfolio, whether this is arranged as a commercial or individual buy-to-let, along with how you intend to manage your property on an ongoing basis. This will have an impact on liability and finances, so it's important to consider this.

The value of property investments can fall as well as rise, so you could get back less than you invest, especially over the short term. The information shown is not personal advice and risk is a certainty of investing.

Find out more about how the Real Estate Finance team at Arbuthnot Latham can help you.